Pnc vs. Presidential Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of PNC vs. Presidential Bank
Key Metrics at a Glance
| Feature | PNC | Presidential Bank |
|---|---|---|
| Top Savings APY | 3.53% PNC High Yield Savings | 4.25% Advantage Savings |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for Top APY | $0 | N/A |
| Note | Eligibility restricted. |
PNC
Strengths
- PNC High Yield Savings has no minimum deposit or balance requirements.
- PNC offers a high App Store rating of 4.9.
- No maintenance fees for PNC High Yield Savings.
Potential Drawbacks
- PNC's current APY is lower than 30 days ago at 3.53%, down from 3.85%.
- Eligibility for PNC High Yield Savings is restricted.
Presidential Bank
Strengths
- Presidential Bank's Advantage Savings offers a higher APY of 4.25%.
- Presidential Bank has 10 branches in Maryland, Virginia, and Washington D.C.
Potential Drawbacks
- A minimum deposit of $5,000 is required for Advantage Savings.
- Presidential Bank's current APY decreased from 4.50% to 4.25% in 30 days.
→ As of November 14, 2025 PNC offers an APY of 3.53% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Presidential Bank's 4.25% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Presidential Bank yields $72 more than PNC on a $10,000 balance after one year. PNC pays $353, while Presidential Bank pays $425 - an APY advantage for Presidential Bank.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for PNC vs Presidential Bank
PNC - PNC High Yield Savings
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewPresidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, PNC's total earnings would be $463.6 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare PNC's vs Presidential Bank's Savings Accounts
| PNC | Presidential Bank | |||
|---|---|---|---|---|
| Product | Standard Savings | PNC High Yield Savings | vs | Advantage Savings |
| APY | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | 3.75% - 4.25% (as of 11/14/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | No | No | |
| Compound Frequency | Monthly | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $5,000 | |
| Minimum Balance for APY | $1 | $0 | N/A | |
| Maintenance Fee | $0 / $5 (see bank for details) | $0 | $0 | |
| Direct Deposit Required | No | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| Eligibility | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | United States | |
| Note | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| App Store Rating | 4.9/5 | 4.8/5 | ||
| Google Play Rating | 4.6/5 | 4.1/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 8 Months)
| PNC | Presidential Bank | |||
|---|---|---|---|---|
| Product | PNC High Yield Savings | Standard Savings | vs | Advantage Savings |
| Latest APY | 3.53 % | 0.03 % | 4.25 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.9 | 0.2 | -0.7 | |
| Rate Changes / Mo | 0.35 | 0.12 | 0.12 | |
| Days Since Last Change | 1 | 197 | 8 | |
| High (-8 m) | 3.95 % | 0.03 % | 4.50 % | |
| Low (-8 m) | 3.53 % | 0.01 % | 4.25 % | |
| Draw-down from High | -10.6 % | 0.0 % | -5.6 % | |
| Volatility (CV) | 0.019 | 0.331 | 0.012 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 256 days.
- Low (-8 m)
- Lowest APY in the last 256 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.